HUK24 or Adam Riese: Which Is Better in Germany? (2026)
The short answer
Adam Riese is cheaper at EUR 23.92 a year against EUR 34, carries no excess against HUK24's EUR 150 and cancels with no notice against 3 months. HUK24 buys double the cover, EUR 100 million against EUR 50 million, and holds the stronger independent record.
Row by row
Fees verified August 2026 against each provider's published data
| Criterion | HUK24 | Adam Riese |
|---|---|---|
| Annual premiumWhat the policy costs per year | EUR 34 a year | EUR 23.92 a yearWins |
| Cover limitThe most the insurer will pay on one claim | EUR 100,000,000Wins | EUR 50,000,000 |
| ExcessWhat you pay out of pocket before cover starts | EUR 150 | EUR 0Wins |
| Cancellation noticeHow long you are locked in once you sign | 3 months | 0 monthsWins |
| Independent ratingWhat a testing body, not the seller, found | Finanztest price-performance leader in the HUK-Coburg groupWins | a CHECK24 customer score of 4.5 out of 5 from 3,748 reviews |
So which one
Pick HUK24 if
- You want the largest cover sum and the Finanztest track record: EUR 100 million against EUR 50 million.
Pick Adam Riese if
- You want no excess and no lock-in: EUR 0 excess and 0 months notice against EUR 150 and 3 months, for EUR 10.08 a year less.
Other comparisons
5 more pairsHow we compared these two
The criteria are fixed
Every comparison on this site uses the same 5 rows in the same order, so two pages can be read against each other. We do not add a row because one side happens to win it.
A win is a stated threshold
A row is won on the published number or capability, not on judgement. Ties are declared rather than broken. Figures come from provider price lists and official sources.
How we get paid
Both links earn a commission at the same rate, so the winner of a row is never the higher-paying one. Fees come from each provider's own published price list, not a comparison feed.
Sources: provider price lists and official data, accessed August 2026. Next review: November 2026.
Frequently Asked Questions
Which is better, HUK24 or Adam Riese?
Adam Riese is cheaper at EUR 23.92 a year against EUR 34, carries no excess against HUK24's EUR 150 and cancels with no notice against 3 months. HUK24 buys double the cover, EUR 100 million against EUR 50 million, and holds the stronger independent record.
When should I pick HUK24?
You want the largest cover sum and the Finanztest track record: EUR 100 million against EUR 50 million.
When should I pick Adam Riese?
You want no excess and no lock-in: EUR 0 excess and 0 months notice against EUR 150 and 3 months, for EUR 10.08 a year less.
Community Q&A